Privacy Policy

INTRODUCTION

Welcome to Scaleity Sp. Z.o.o.’s (Scaleity) Privacy Policy.

 

Scaleity is committed to respecting and protecting your privacy. The aim of this Privacy Policy is to inform you about how we use and look after your personal data when you visit our website, make a financing application and use our services after having received financing from Scaleity.

 

If you have any questions about this Privacy Policy, want to know more about how we protect personal information, or have any requests to exercise your legal rights, please contact [email protected] or write to us at Scaleity Sp. Z.o.o., Towarowa 20B, 10-417, Olsztyn, Poland.

 

IMPORTANT INFORMATION

The aim of this Privacy Policy is to inform you on how Scaleity collects and

processes your personal data through your use of this website (http://scaleity.com/, thereafter referred to as this “website”), including any data you may provide through this website when you sign up to our marketing emails, send a contact form, submit an application for a product or services, or use this website.

 

This website is not intended for consumers.

 

This website may include links to third-party websites, plug-ins and applications. By clicking on those links or enabling those connections, you may allow these third parties to collect or share data about you. Scaleity does not control these third-party websites and are not responsible for their privacy statements. When leaving our website, we encourage you to read the privacy policy of every website you visit and to contact these third parties directly in case of inquiry about the collection and processing of you personal data.

 

WHO WE ARE

We are SCALEITY SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ, trading as “Scaleity”, with registered office in Towarowa 20B, 10-417, Olsztyn, Poland, entered into the Register of Entrepreneurs of the National Court Register kept by the District Court Olsztyn in Olsztyn, IV Commercial Division of the National Court Register under the KRS number: 0000894053, NIP (tax id. no.): 7393952622, REGON: 388694134 , share capital: PLN 10,000 fully paid-up capital.

 

Scaleity Sp. Z.o.o. is the administrator for the purposes of this Privacy Policy and responsible for this website (http://scaleity.com/) and your personal data. Scaleity Sp. Z.o.o. is collectively referred as “Scaleity”, “we”, “us” or “our” in this Privacy Policy.

 

WHO YOU ARE

For the purpose of this Privacy Policy, individuals using this website for their own benefit (as sole proprietorship) or individuals having authority to give instruction on behalf of a legal entity that they represent are referred to as “you”.

 

In the case of multiple individuals having authority to give instruction, any members of this group, whether separately or collectively, can be referred to as “you”.

 

YOUR PERSONAL DATA

This Privacy Policy applies only to personal data, defined as any information about an individual from which that person can be directly or indirectly identified. It does not include data where the identity has been removed (anonymous data).

 

In cases you share personal information that is about individuals that are external to you (for example, about employees, business partners, managers, owners, …), you must have the authorisation from these individuals and make sure that they know how we will use their information.

 

PERSONNAL DATA SOURCES

Scaleity may collect and process data about you through direct interactions, automated interactions through our platform and publicly available sources and third parties.

 

Data Provided through Direct Interactions

You can provide us with your identity, contact information, and financial information by filling out forms or uploading it to our website. This includes any personal information you give us when you:

(1) use our website to apply for products or services

(2) register for an account on our website

(3) sign up for our service or to receive our publications

(4) ask for marketing materials to be sent to you

(5) send us feedback or get in touch with us

 

Data Provided through Automated Interactions

We will automatically gather Technical Data about your equipment, browsing behaviours, and trends as you interact with our website. We collect this personal information through the use of cookies and other similar technologies. For more information, please see our cookie policy.

 

Data Collected though Publicly Available Sources and Third Parties

As outlined below, we will receive personal data about you from a combination of third parties and public sources:

(1) analytics companies like Google

(2) search information companies

(3) social media platform such as Facebook and Linkedin

(4) data disclosed in public registers (for example National Court Registers, Central Business Register and Information, or Register of Real Beneficiaries)
(5) data disclosed in risk intelligence and screening platforms, to meet AML (anti-money laundering) and KYC (know your customer) regulatory obligations

 

TYPE OF DATA WE USE AND FOR WHAT ACTIVITIES

We will utilize your personal information when the law permits us to. Specifically, we will utilize your personal information in the following situations:

(1) where we provide you with revenue-based financing

(2) where we offer services to you

(3) where it is required for our legitimate interest (or those of third parties):

for example to avoid fraud, crime or to check your identity.  We do so whilst making sure this does not involve overriding your fundamental privacy rights

(4) where we need to conform with a legal obligation

 

The Purposes for which we will use your personal information are set out below:

(1) During the registration as a new customer process:

  1. Your identity (first and last name)
  2. Your contact details (email and phone number)

(2) Whilst you navigate on and use our website:

  1. Your IP address
  2. Your device ID address

(3) Processing your application and delivering our services including a revenue-based financing, using data made available to Scaleity, including:

  1. Your identity (first and last name)
  2. Your contact details (email and phone number)
  3. Your personal identification number (e.g. PESEL)
  4. Your transaction information
  5. Your marketing, advertising and communication data
  6. Your payment, billing and banking data
  7. Your invoicing data or documentation

(4) Establishing, negotiating and concluding a contract to offer you financing, as well as performing and implementing the contract once it is signed:

  1. Your identity (first and last name)
  2. Your contact details (email and phone number)
  3. Your personal identification number (e.g. PESEL)
  4. Your transaction information
  5. Your marketing, advertising and communication data
  6. Your payment, billing and banking data
  7. Your invoicing data or documentation

(5) When you contact us directly for information or support:

  1. Your identity (first and last name)
  2. Your contact details (email, address and phone number)

(6) Delivering relevant website content and advertising to you (measuring the effectiveness of said content and advertising) making suggestions

and recommendations to you about goods or services that may be of

interest to you (ensuring your consent beforehand):

  1. Your identity (first and last name)
  2. Your contact details (email and phone number)
  3. Your personal identification number (e.g. PESEL)
  4. Your transaction information
  5. Your marketing, advertising and communication data
  6. Your payment, billing and banking data
  7. Your invoicing data or documentation

 

PERSONAL DATA PROTECTION

Scaleity is the administrator of personal data within the meaning of the regulation on the protection of personal data of April 27, 2016 (GDPR).

 

Using the website requires you to provide your own personal data.

 

Personal data will be processed in order to conclude and implement a contract for the provision of services (Article 6 (1) (b) of the GDPR), to provide services provided electronically (Article 6 (1) (b) of the GDPR), direct marketing (Article 6 paragraph 1 (f) of the GDPR).

 

Personal data processed for the purpose of concluding and implementing a contract for the provision of services and for the implementation of services provided electronically will be processed until the end of the contract for the provision of services with the Administrator and the time necessary to meet the obligations imposed by law (settlements, limitation of claims).

 

If you subscribe to the website, personal data will also be processed for marketing purposes, pursuant to art. 6 sec. 1 lit. f) the regulation on the protection of personal data of April 27, 2016 (GDPR). Providing personal data for this purpose is voluntary, however, failure to provide it makes it impossible to receive messages from Scaleity.

 

Personal data will be stored for the period until you unsubscribe from the website or from marketing communications sent by Scaleity, and for 5 years after that to comply with the law and if we face a legal challenge.

 

Personal data will be transferred only to the Administrator’s trusted subcontractors, i.e.:

(1) companies that make our Scaleity cards

(2) card producers and networks, like MasterCard

(3) Know Your Customer (KYC) and Anti-Money Laundering (AML) service providers that help us with identity verification or fraud checks such as World Check and elKYC

(4) cloud computing power and storage providers like Amazon Web Services (AWS)

(5) our business intelligence and analytics platform provider

(6) companies that help us with marketing (but we won’t share identifiable personal data with third parties for their own direct marketing unless you give us permission, and you can opt-out any time)

(7) software companies that we use for emailing you

(8) companies that help us with customer support

(9) companies that offer benefits or rewards through special programmes you sign up to via the website

(10) companies that print written statements and notices

(11) companies that share information relating to bank accounts such as Salt Edge

 

Personal data will be transferred to anyone you give us permission to share it with, i.e. trusted partners who provide services that may be of

interest to you, your own sales, advertising, marketing, accounting, banking platforms, your external advisors (e.g. advertising agencies) or representatives (e.g. lawyers).

 

We may also share your personal information in order to meet our legal obligations with relevant authorities, i.e. the police, courts or dispute resolution bodies or other state bodies.

 

The data we collect may be securely transferred and stored outside the European Economic Area (‘EEA’), in countries or organisations having adequate data protection standards (i.e. approved by the European Commission).

 

AUTOMATED DECISIONS

We may use computers to make automated decisions, for example to determine if we can make you a financing offer based on the data you have shared with us.

This may include information on whether you’ve kept up to date with payments on any credit lines, and if you’ve been to court. You can ask for a member of the team to review a decision by emailing: [email protected]

 

YOUR RIGHTS

In the event of a change of personal data, you should update them on your User Profile.

You have the right to request access to your personal data, rectify it, delete it and the right to limit its processing. In addition, also the right to withdraw consent at any time without affecting the lawfulness of processing, the right to transfer data and the right to object to the processing of personal data.

You have the right to lodge a complaint with the supervisory authority (i.e. President of the Office for Personal Data Protection).

Providing personal data is voluntary, however, the lack of consent to the processing of data prevents the use of the Website.

You may contact Scaleity at any time in order to obtain information on whether and how the Administrator uses your personal data.

You may also ask the Administrator to delete your personal data entirely or partially.

You can contact the Administrator by sending a message to the e-mail address: [email protected]

Scaleity may refuse to delete your personal data if the retention of personal data is necessary due to the obligation imposed on the Administrator by law.

 

COOKIES POLICY

For your convenient use of our website, Scaleity uses cookies, including in order to adapt the website to your needs and for statistical purposes. Cookies are small text files sent by a website visited by an internet user to an internet user’s device.

The Website uses two types of cookies: session cookies and persistent cookies. Session cookies are temporary files that are stored on your end device until logging out, leaving the website or turning off the software (web browser). Persistent cookies are stored on your end device for the time specified in the cookie file parameters or until they are deleted by you.

We use the following types of cookies on the website:

(1) “Necessary” – they enable the use of services available on the Website, e.g. used for user authorisation

(2) “Security” – they are used to ensure security, e.g. used to detect abuse in the use of the Website’s services

(3) “Performance” – they enable the collection of information on the manner of using the Website

(4) “Functional” – they make it possible to remember the settings selected by you and personalise your interface, e.g. in terms of the selected language or region from which you come, font size, appearance of the Website, etc.

(5) “Advertising” – they enable the provision of advertising content to you that is more tailored to your interests.

(6) “Integration” – related to third party services used on the Website, e.g. Google Analytics.

(7) Third-party websites, the materials of which we present, may also use cookies that enable logging in and serve to deliver advertisements corresponding to your preferences and behaviours.

You can change cookie settings in your web browser. If you do not change these settings, you accept the cookies used here.

Disabling cookies may affect your ability to use our website or affect its performance when you use it.

 

CHANGES TO THE POLICY

We keep our privacy policy under regular review. Any changes we make to our privacy policy will be posted on this page. Any significant changes will be notified via email.